Auto Repair Shop Insurance -Workers Compensation, Liability, & Property
Do you own or manage an auto repair shop in California? If so, we can help provide garage liability, garage keepers, property, and workers compensation insurance for auto repair shops. Our agents have access to several of the Nations leading insurance companies that specialize in repair-shops and garage insurance policies. We will shop your insurance with several carriers to assure you get quality coverage at competitive rates.
In addition to providing you with quality coverage and competitive rates, we assist you with your Safety Programs, Employee Handbooks, Labor Law information branded to your company FREE of charge in an effort to assist you in running your business without incurring additional costs!
Business owners who operate garages, and auto repair shops are not only relied upon to fix their customers’ vehicles, but they are also entrusted with keeping the property safe while it is in their control. Garage liability insurance and garage keepers insurance policies are designed to help you protect your customers’ property and your business in the event that accidents, injuries or property damage occurs.
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Call 877-428-8778 for a free no obligation quote on your repair shop or garage!
What Type of Insurance Does an Auto Repair Shop or Garage Need?
General liability insurance for repair shops is one of the most basic coverage options you should have as a business owner. It provides coverage for bodily injury or property damage your business causes to someone else.
Garage keepers liability provides coverage for damage or bodily injury resulting from garage operations. A customer could drive off with an improper repair that causes damage to their vehicle or even injury to someone else. Repair shops have been sued for millions having dealt with incidents like these.
Defective Parts and Workmanship – Basic Garage liability policies do not cover damage that occurs from faulty workmanship or parts, however, you can purchase this endorsement with some insurance carriers and is recommended.
Workers Compensation Insurance – Every auto repair shop in California is required by law to carry workers compensation insurance once they hire their first employee. Workers compensation can provide coverage for medical bills and loss of income an employed mechanic incurs after an accident that happiness on the job. Employed mechanics often suffer burns, slip and falls, and chemical exposures from the daily operations and repairs in a garage.
Building property coverage can cover the structure you operate in. Even if you’re leasing you’ll want to make sure any upgrades and alterations are covered. Auto lifts and custom building layouts could cost thousands of dollars to rebuild after a loss. Most policies give you the option to add coverage for upgrades and alteration done at a minimal premium.
Auto repair shops and mechanics use high-end welders, compressors, and diagnostic tools that could easily cost hundreds of thousands to replace in the event they are stolen or destroyed.
Business personal property coverage can provide repair shops with coverage for their equipment (including furniture) in the event of a loss.
Garage keepers liability is a necessity when a clients vehicle in your companies care, custody, and control. A vehicle could be accidentally damaged by an employee or stolen overnight. Most mechanic insurance policies include this coverage based on the value and amount of vehicles your shop services at any one time.
These are only a few coverage options our agents can make available to you. Your agent can evaluate your needs and help you find a plan that works with your budget and needs.
Which Businesses Need Garagekeepers or Garage Liability Insurance?
Garage liability insurance and garage keepers insurance are recommended not only for auto repair shops but also for:
- Service stations
- Tow truck operators
- Auto body shops
- Detailing operations
- Auto glass installers
- Oil change and lube shops
- Vehicle painting and pinstriping operations
- Sound repair and installation shops
- Emissions testing sites
- Vehicle interior restoration shops